First Commercial Bank of Tampa Bay, Tampa, FL

The FDIC has put together some responses to frequent issues or questions bank
customers may have following a bank failure. These should assist you in understanding
what is happening at your bank.

On Friday, June 17, 2011, First Commercial Bank of Tampa Bay, Tampa, FL was closed by the
Florida Office of Financial Regulation. The Federal Deposit Insurance Corporation (FDIC) was then named Receiver. Subsequent to the closure, Stonegate Bank, Fort Lauderdale, FL acquired all the deposits and substantially all the assets of First Commercial Bank of Tampa Bay from the FDIC as Receiver.
All shares of stock were owned by the holding company, which was not
involved in this transaction.

YOUR MONEY IS SAFE! No one lost any money on deposit as a result of the closure
of this bank.

ACCESS TO YOUR MONEY: You may continue to use your outstanding checks and they will clear up to the balance in your account. Your ATM/Debit card will continue to work as usual. The total balance in your account(s), including checking, savings, money market, non-brokered Certificates of Deposit, and retirement accounts, has been transferred to the new bank and will be available for transactions during regular business hours at the former bank branches.

AUTOPAYMENTS/BILL PAY/ONLINE BANKING: These services will continue as usual. Your routing number and account number will remain the same until you are notified in writing by the new bank.

INTEREST RATES: Interest on deposits accrued through close of business the day the bank was closed will be paid at your same rate. Current rates will be reviewed by the new bank and may be lowered; however, you may withdraw funds from any transferred account without early withdrawal penalty until you enter into a new deposit agreement.

BROKERED DEPOSITS: As an All-Deposits Transfer transaction, the total of all deposit accounts, excluding the Cede & Co. deposits, have been assumed by Stonegate Bank. If you are a customer who has a First Commercial Bank of Tampa Bay deposit through a broker, you must contact your broker with any questions.

SAFE DEPOSIT BOXES: You may continue to access your safe deposit box during
normal business hours. Any changes will be communicated by the new bank.

OVERDRAFT LINES OF CREDIT: These lines have been transferred to the new bank. Please contact the new bank if you have additional questions regarding
your accounts.

LOAN PAYMENTS: You should continue to make your payments according to the terms of your written contract. You may continue to make your payments at the branch office or send it to the same payment address with checks made payable to the First Commercial Bank of Tampa Bay.

ESCROW PAYMENTS: All services previously performed related to your loan will
continue. Should you receive notification that any portion of your taxes or
insurance was not paid, notify your loan officer immediately.

LOANS IN PROCESS: Please contact your current loan officer directly.

SHARES OF STOCK:
All shares of stock were owned by the holding company, FCB Financial, Inc., Tampa, FL. The holding company was not included in the closing of the bank or the resulting receivership. If you are a shareholder of FCB Financial, Inc., please do not contact or file a claim with the receiver. You must contact the holding company directly for more information:

DEPOSIT INSURANCE INFORMATION: If you have accounts in both the failed and
the new bank, they will be insured separately for at least six
months following the merger of the banks. This will allow you time to
restructure your accounts if necessary.

ADDITIONAL QUESTIONS: You may contact the FDIC Call Center at the number provided
below with any additional questions:

SCAMS: Be watchful for and resistant to any scams to
obtain information from you by individuals or entities stating that they are
acting on behalf of either
the failed bank, new bank, or the FDIC. Should you be contacted by anyone requesting
private information from you related to this event, please contact the call
center above and you will be directed to the appropriate person.